The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,230
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$165/mo
Today · 4.125%
HK$5,558
baseline
▲ 0.50% · 4.625%
HK$5,896
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,116/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,818
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$159/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,276
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$199/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,075
+HK$405/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$13,340/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,982
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$190/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,747
+HK$388/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$14,718/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,322
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$231/mo
Today · 4.125%
HK$7,781
baseline
▲ 0.50% · 4.625%
HK$8,255
+HK$474/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,562/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,146
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$222/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$452/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,172/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,414
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$297/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$609/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,008/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,473
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$285/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,078/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).